Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Faster free reports, with a privacy guarantee

     To the FTC:

     My '91 Mercury Grand Marquis was

     stolen pre-dawn from my driveway

     in La Mirada, California on 4/6/04.

     Papers therein have me concerned

     about identiy theft and I need these

     reports as soon as possible. Please

     expedite the change because my family

     is worried and about more than our

     beloved car upon which we depend

     for transportation. Please help?

     I urge you to make annual free credit reports available more quickly to all Americans, rather than delaying

     access to most of the country at the unjustified request of the credit bureaus.

     Also, the rule should make clear that information is only collected to verify identity. Many consumers, including

     me, don't think it is fair to give up personal information to take advantage of an important new federal right to a

     free credit report.

     Sincerely,